SSS Contribution Calculator
Enter your monthly compensation to see your SSS Monthly Salary Credit and contribution split.
The Social Security System (SSS) is the state-run social insurance program for private and self-employed workers in the Philippines. Every month, a portion of your salary is set aside as an SSS contribution, which builds up your eligibility for benefits such as sickness, maternity, disability, retirement, and death benefits for your beneficiaries.
SSS contributions are not a flat percentage of your exact salary. Instead, your monthly salary is matched to a Monthly Salary Credit (MSC) bracket — a standardized compensation range published by SSS — and the contribution is computed as a percentage of that MSC, not your raw pay. For 2026, the total contribution rate is 15% of MSC, split 5% employee / 10% employer, with the MSC bracketed between roughly ₱4,000 and ₱35,000. Employers also shoulder a small Employees' Compensation (EC) contribution on top — ₱10/month if your MSC is below ₱15,000, or ₱30/month if it's at or above that.
This calculator looks up your MSC bracket automatically, so the SSS figure you see above reflects the bracket your salary falls into rather than a straight 15% of your exact pay.
Eligibility and registration
Private-sector employees are covered through their employer from the start of employment. Self-employed workers register or update their membership category and declare earnings; a former employee or self-employed member with at least one valid posted contribution may usually continue as a voluntary member. Apply for an SS number only once and complete the supporting documents needed to make the membership record permanent.
Who remits the contribution?
An employer withholds the employee share, adds the employer and EC shares, then reports and remits the total. Self-employed members pay the full amount for their category, while voluntary members select an allowed MSC and generate a Payment Reference Number through My.SSS or the SSS mobile app before paying through an accredited channel.
A missed voluntary month generally becomes a contribution gap and cannot be paid retroactively. Future payments can continue, but benefit and loan eligibility may depend on how many contributions were posted within a required period. This calculator is designed around the employee schedule; self-employed users should confirm the separate SSS schedule before payment.
Want your full paycheck breakdown? Try the Salary Calculator for SSS, PhilHealth, Pag-IBIG, withholding tax, and net take-home pay together.
Frequently asked questions
It matches the monthly compensation you enter to the salary-credit schedule stored in the site and separates the employee, employer, and Employees’ Compensation shares. Use it as an estimate because payroll timing, membership category, and later SSS circulars can change the amount actually posted.
A self-employed member pays the full contribution applicable to the declared monthly earnings, rather than having an employer pay a separate share. This employee-oriented calculator shows an employee/employer split, so a self-employed member should confirm the self-employed schedule and generate a Payment Reference Number in My.SSS before paying.
For voluntary members, an unpaid month generally becomes a gap and cannot be filled by a retroactive payment. You may continue prospectively, but a gap can matter when a benefit or loan requires a minimum number of posted contributions within a specific period.
The employer deducts the employee share from payroll, adds the employer share and Employees’ Compensation amount, and remits the total to SSS. Check My.SSS periodically so you can raise missing postings with your employer while records are still easy to trace.